E-Statements
Disclosure
E-Statement Services Agreement
This
Agreement describes your rights and obligations as a user of the e-Statement
Service ("Service"). It also describes the rights and obligations of,
The Credit Union. Please read this Agreement carefully. By pressing the "I
Accept" button below, you elect and authorize us, at our discretion, to
electronically deliver your account statement(s), which we are required to
provide to you under applicable Federal and State statutes and their
implementing regulations.
Other
Federal and State statutes may be enacted or amended in the future to provide
for electronic delivery of account statements. Your acceptance below also
authorizes us, at our discretion, to provide electronic delivery of such
statements pursuant to these statutes after they become effective. If there is
more than one owner that is a party to the account, notice to any one account
owner will be effective for all.
You
further agree to comply with the supplemental terms and conditions set forth in
this agreement, which are set forth below.
Definitions
The
following definitions apply in this Agreement.
"E-Statement"
is the Internet-based service in which Credit Union delivers periodic encrypted
account statements to a secure web site. "E-mail" messages are sent
to the e-mail address you specify as a convenience when statements are posted
for your retrieval. "Password" is the code you create when enrolling
for use in opening and decrypting your electronic statement. "We"
"us", "our", or "Credit Union" refers to The Credit
Union, which offers the Service, and which holds the accounts for which
statements are being provided through the Service.
Access to Services
You
will gain access to your e-Statement through the use of your Internet-enabled
device, your Internet Service Provider, your electronic mail Provider, and your Password.
Security Measures
We
will use commercially reasonable measures, consistent with industry standards,
to maintain a reasonable level of security over the information contained in
the electronically delivered account statement(s). Our security consists of
128-bit encryption of the data contained in the electronic statement to protect
it while in transit over the Internet.
You
understand that these industry standards are dynamic and constantly developing.
By accepting this agreement, you acknowledge and understand that there are
risks to electronic delivery of account statement(s), including, but not
limited to, delay or failure of delivery due to technical difficulties, weather
conditions, matters beyond our reasonable control, or interruption and/or
alteration of such account statement(s) by third parties in spite of The Credit
Union's commercially reasonable security measures.
By
accepting this agreement, you represent that you have considered our security
measures, and find that our security measures are commercially reasonable. In
reaching this conclusion, you have considered the historical and potential
future content of your statement(s), the risks associated with electronic
delivery of account statement(s), and our security procedures. If you conclude
that our security procedures cease to be commercially reasonable in the future,
you must terminate this agreement immediately in accordance with the procedure outlined
below.
Required Computer Specifications
To
receive electronic statements, your computer hardware, software and your
Internet service provider (ISP) must meet all of the following specifications:
Windows
98, ME, 2000, XP, or Vista operating system
Internet
Explorer 5.5 (SP2) or Above
Firefox
2 or Above
We
also recommend that you have the Adobe Acrobat Reader installed for additional
functionality
E-mail Address
We
will send your periodic account statement(s) to you via e-mail to the last
known e-mail address provided by you. You agree to notify us promptly of any
change of your e-mail address using the procedures set forth below. If you have
not notified us in writing of any change to your e-mail address, you agree that
your failure to provide us with a good e-mail address is the lack of ordinary
care on your part, and we will not be responsible for any loss that occurs as a
result of this failure. If we become aware that you are not receiving your e-Statement(s),
we will send your Statement(s) to you via U.S. Mail to your last address known
to us, provided, however, we will have no liability for our failure to do so
except as otherwise provided for in any applicable Federal statute.
Use of your Security Password
You
agree not to allow anyone to gain access to the Service or to let anyone know
your Password used with the Service. You further agree that The Credit Union
has no control as to the persons who have access to your personal computer and
your Password. We will not be liable for any unauthorized access to your
personal computer using your Password. You agree that it is your responsibility
to initiate and maintain the highest level of password security procedures to
prevent any unauthorized access to your personal computer or unauthorized use
of your Password.
Notice of Unauthorized Access
If
you believe your electronic statement has been lost or stolen, or that someone
has obtained access to your electronic statement without your permission, immediately
call The Credit Union location between 9:00 a.m. and 5:00 p.m., Monday and
Wednesday; 11:00 a.m. and 5:00 p.m., Tuesday; 9:00 a.m. and 6:00 p.m. Thursday
and Friday; 9:00 a.m. and 12:00 p.m. Saturday (Central Standard Time), and ask
for the Member Services Department.
Changing Your Security Password / E-mail Address
If
you would like to change your e-mail address, you must notify us in writing. If
you would like to have your password reset, contact a Member Services Representative
at 555.555.5555 or visit The Credit Union branch.
The
procedure for changing your current e-mail address or Password is to simply set
forth your current e-mail address and Password, which we will then verify, and
clearly set forth your new e-mail address and/or Password. We will notify you
via e-mail to confirm the requested change.
Prompt Statement Review
You
must promptly review your electronic statement and any accompanying items. If
you discover any errors, unauthorized signatures or alterations, you must
promptly notify us of the relevant facts by writing us at the address listed
below. You may also telephone us at 555.555.5555, but doing so will not
preserve your rights.
Any
applicable time periods within which you must notify us of any errors on your
account statement(s) shall begin on the day it is sent to you by e-mail,
regardless of when you receive and/or open the e-Statement. You agree that the
time you have to examine your statement and report to us will depend on the
circumstances, but will not, in any circumstance, exceed a total of 30 days
from when the statement is first sent or made available to you.
You
further agree that if you fail to report any unauthorized signatures,
alterations, forgeries, or any other errors in your account within 60 days of
when we first send or make the statement available, you cannot assert a claim
against us on any items in that statement, and as between you and us the loss
will be entirely yours. This 60-day limitation is without regard to whether we
used ordinary care. The limitation in this paragraph is in addition to that
contained in the first paragraph of this section.
Limit of Credit Union and Other Provider's Responsibility
The
Credit Union agrees to make reasonable efforts to ensure full performance of
the e-Statement Service. We shall have no liability for failure to perform any
e-Statement Service, or for any disruption or delay in performing e-Statement
Service, in the event such failure, disruption, or delay is due to
circumstances beyond our reasonable control, including, but not limited to,
failure or disruption of electrical power, computer equipment,
telecommunication systems, your Internet Service Provider, or weather
conditions. We shall have no liability for any consequential, special, punitive
damages or indirect loss under any circumstances. Credit Union is not
responsible for any computer virus or related problems, which may be
attributable to the Service.
You
are responsible for obtaining, installing, maintaining, and operating all
computer hardware and software necessary for receiving e-Statements. We will
not be responsible for any errors or failures from the malfunction or failure
of your hardware or software.
We
make no warranties of any kind with respect to the software program used to
access your electronic statement, and we do not warrant that the software
program or the e-Statement Service will meet your specific requirements. We
make no warranties of any kind, whether expressed or implied, with respect to
the use and adequacy of the software program or the e-Statement Service we
provide under this agreement. We disclaim any and all implied warranties,
including, but not limited to, the implied warranties of merchantability and
fitness for a particular purpose.
Under
no circumstances will The Credit Union be liable in contract, tort, or
otherwise for any special, incidental, or consequential damages, whether or not
foreseeable. By consenting to use the Services, you agree to waive any and all
rights to any of the aforesaid, and you acknowledge that the limit of your
remedy is as otherwise expressly set forth herein.
Electronic Mail
If
you send The Credit Union an electronic mail message, we will be deemed to have
received it on the following business day.
You
should not rely on electronic mail if you need to communicate with Credit Union
immediately (e.g., if you need to report an unauthorized transaction from one
of your accounts, or if you need to stop a payment that is scheduled to occur).
You
agree that The Credit Union may respond to you by electronic mail with regard
to any matter related to the Service. Any such electronic mail sent to you by
us shall be considered received within three (3) days of the date sent by Credit
Union, regardless of whether or not you sign on to your specified e-mail
account within that time frame.
Other agreements
In
addition to this Agreement, you and The Credit Union agree to be bound by and
comply with the requirements of the agreements applicable to each of the
accounts for which you elect to receive electronic statements. Your use of the
e-Statement Service is your acknowledgment that you have received these
agreements and intend to be bound by them. You should review other disclosures
received by you when you open your accounts at The Credit Union.
Modifications to this Agreement
The
Credit Union may modify the terms and conditions applicable to the Service from
time to time upon mailing or delivering a notice of the modifications to you at
the address shown on our account records, and the revised terms and conditions
shall be effective at the earliest date allowed by applicable law. We may send
any notice to you via electronic mail and you will have been deemed to receive
it three (3) days after it is sent. We reserve the right to terminate this
Agreement and your use of the Services in whole or in part at any time without
prior notice.
Inactivity / Termination
To
cancel the e-Statement Service, you must notify The Credit Union and provide
your name, address, and the effective date to stop the Service. You may notify
The Credit Union by one of the following methods:
(1)
By initiating contact through our Web site
(2)
By calling The Credit Union location between 9:00 a.m. and 5:00 p.m., Monday
and Wednesday; 11:00 a.m. and 5:00 p.m., Tuesday; 9:00 a.m. and 6:00 p.m. Thursday
and Friday; 9:00 a.m. and 12:00 p.m. Saturday (Central Standard Time), and
asking for the Member Services Department.
(3)
By writing a letter and either sending it to the following address or giving it
to a Credit Union employee:
Governing Laws
This
Agreement is governed by the laws of the State of Illinois and applicable
Federal law.
Fee Schedule
The
Credit Union offers the benefits and convenience of the e-Statement Service to
you free of charge.